What is not covered by home contents insurance?
Certain items are excluded from coverage by default. These include damage caused by willful acts or gross negligence on your part. In principle, cash and negotiable instruments are also excluded, but they are usually reimbursed up to a maximum amount. In addition, damage caused by catastrophes (disasters) is also excluded from coverage.
All exclusions are listed in the terms and conditions and any additional clauses of the insurance policy. Before you purchase insurance, it’s a good idea to read these carefully. This will make it easier to compare the different insurance options and help you make the right choice. Of course, our staff can also assist you with this.
How is the value of the household goods calculated?
The value of the household contents is calculated using a household contents valuation tool. This tool provides a rough estimate. A household contents valuation tool often includes coverage against underinsurance for a specific period, typically five years. This prevents you from having to notify your broker or insurer every time you make a purchase.
Can I compare premiums for home contents insurance?
You can easily calculate and compare home contents insurance premiums on our website. You can also contact our staff by phone for this.
Please note that we’ll need details about your home and its contents, so please have this information ready. You can also compare and purchase other important insurance policies, such as liability insurance, through our website.
Many different insurers offer home contents insurance. These policies often vary in terms of coverage, and the premium can also differ from one insurer to another. A higher premium does not always mean that the policy offers better coverage. A low premium may be more appealing to you, but it usually comes with a relatively high deductible. The coverage that’s best for you depends on your personal and financial situation.
Want to get home contents insurance? Calculate your premium!
Do I need to take any exclusions into account?
It’s a good idea to compare, for each insurer, which items are excluded from coverage. These include damage caused by willful acts or gross negligence on your part. Other causes of damage may also be excluded. This information can be found in the policy terms and conditions and any applicable clauses. Exclusions can affect the premium amount, so be sure to pay close attention to this.
Make sure you're well-informed about the topics above before you purchase insurance, and think about what you want beforehand. This will make it easier for you to compare the different providers and make the right choice.
What if there are any special circumstances?
When applying for insurance, it’s important to mention any special circumstances, such as a policy that was canceled by an insurer in the past or a CIS registration. This ensures that your application is submitted directly to the right insurer. Most insurers are unable to provide coverage if such circumstances apply. However, in such cases, we can request a no-obligation quote for your household contents (and other insurance policies) from De Vereende. This insurer has a more lenient underwriting policy and, in principle, accepts everyone—even those with a history of non-payment, for example. One of the conditions, however, is that you pay the first 3 months in advance. It is only possible to purchase insurance from De Vereende through an insurance broker. You can also apply for insurance with De Vereende through our website.
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